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Frequently Asked Questions

Digital Banking Frequently Asked Questions

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If you wish to use Bill Pay, then you must have an active checking account at First Tech and be enrolled in digital banking. Your accounts must all be in good standing, which is defined in section 2B of the Limitation of Services & Termination of Membership Corporate Policy. Additionally, you'll need to have a U.S. home address and phone number on file with First Tech.

The Bill Pay delivery timeline depends on dates selected and the payment type depends on the payee. Delivery timeline: The pay date you choose is the day your payment will arrive at the payee. We deduct funds from your account on the same day. Delivery cannot be on a weekend or holiday, and scheduled transfers that fall on a weekend or holiday will automatically be moved to the business day prior to the scheduled date. Payment method: Our Bill Pay processor decides which fund type to send based on several different factors. If the payee information is updated, then there may be a change in delivery options. There are two different fund types: Electronic payments are sent 2-3 business days before due date while paper check payments are sent 4-7 business days before the due date.

Yes, you can have two separate payees to the same business or individual. We recommend you give them different nicknames for your own reference. The nickname is not disclosed to the recipient on the payment.

Login to Online Banking. Under the Bill Pay dashboard, select the payee you wish to view or edit. Then click on the “Manage” tab to access the Payee information. Select the eye icon to view your listed account number for the payee or the pencil icon to edit the account number.

Online Banking and the Mobile App use several methods to ensure that your information is secure when paying bills.

SSL: Secure Sockets Layer ensures that your connection and information are secure from outside inspection.

Encryption: We use 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out: Online Banking automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes).

We recommend linking an overdraft protection source to your checking account for the best experience. If the payment is scheduled and funds are unavailable, then the payment will still debit on the delivery date and your account will be drawn negative. Once your account overdraws, it's your responsibility to bring the account to a positive balance. See Fee Schedule/Sheet for any associated cost with returned or paid Bill Pay payments. See Account Agreement for more information on overdrawn accounts.

No, we do not have a way for you to determine if a payment was scheduled on mobile or desktop.

When a payee is deactivated, they are moved into a separate deactivated payee list, but all history for that payee remains in Bill Pay. A deactivated payee will not be made available to choose when you want to make a payment. We recommend you only deactivate retired or inactive payees.
 

A managed payee's contact information is maintained by us, whereas a manual payee's contact information is not. The simple way to distinguish between the two is: If you have to manually enter the address for the payee, they are considered a manual payee. If the managed payee's contact information changes, then you can maintain the older incorrect information as our information is internally managed.

All eBill information can be found under the "Payees" tab. If your payee is eligible for eBills, they will have an eBill tab available. Select "Setup eBills" to begin the enrollment process, which will require your login credentials for the payee's direct portal. You can also watch this video on how to set up and navigate eBills.

You can pay almost any person or business in the United States that you desire to pay by check or automatic debit. Do you have a bill that can’t be paid electronically? We will send a check and take care of the postage, saving you a stamp and a trip to the post office.

To enroll in Bill Pay, you must first enroll in digital banking to acquire a username and password. You must have a checking account and meet the Bill Pay requirements. Select the Bill Pay feature in Online Banking, accept the disclosure, and you are automatically enrolled into Bill Pay.

First Tech doesn’t charge fees for using a digital wallet, but some digital wallet services might. Be sure to read the Terms & Conditions for each provider to understand how and when fees might apply.

Using a digital wallet, like Apple Pay, Google Pay, and Samsung Wallet, can be more secure than using physical cards. When you make a purchase using a digital wallet, it sends a unique code or temporary card number to the vendor that is different than your actual card number and is only good for that transaction. That can prevent hackers and other bad actors from capturing your card number. Also, the security features of your phone or computer, including passwords and biometrics, make it even harder for someone to get your card information.

Apple Pay, Google Pay, and Samsung Wallet are registered trademarks and property of the respective companies.

Yes, you can, though for some wallets you’ll need to designate a default card.

Absolutely. You may use different wallets for different reasons. Some are great for paying in-store, others are useful for making person-to-person transfers or shopping online. 

When you use a digital wallet to pay in store or online, you still get all the anti-fraud and consumer-protection features your First Tech card has to offer, including Purchase Assurance and zero-liability fraud protection.

Different wallets have different processes for adding cards. You’ll want to refer to the website for each provider for specifics. Here are links to three of the most popular:

Most major cellphone manufacturers include a digital wallet as part of the pre-installed software that comes with the phone. That means the digital wallet you use may depend on the phone you choose. Some wallets aren’t phone-specific and should be available in the app marketplace for your phone. Be sure to only use digital wallets from companies you trust and only download them from secure sites.

Different wallets have different processes for removing cards. You’ll want to refer to the website for each provider for specifics. Here are links to three of the most popular:

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